PRIVATE CAR SCHEDULE JADUAL KERETA PERSENDIRIAN Stamp Duty Paid
Setem Hasil Dibayar
The Insured / Pihak Diinsuranskan MUHAMAD AIZAT BIN ISMAIL
NO 175 KAMPUNG CHAROK TENANG SIK 08210 SIK
KEDAH
Policy No / Master Policy No.
No Polisi / No Polisi Induk MC157332 Intermediary No. / Name
No. Wakil Insurans / Nama
BP - 10005696
CIMB BANK BERHAD - AFC (BTU) - 3051
Date of Proposal or Declaration Tarikh Tandatangan Cadangan atau Akuan
29-08-2022 03:14:22 PM Geographical Area /Kawasan Geografi: Malaysia, Republic of Singapore and Negara Brunei Darussalam
Occupation
Pekerjaan POSTMAN Agreed Value 40,000.00
Nilai yang dipersetujui RM NRIC / Business Reg. / Others ID
No K/P Baru/No Pendaftaran Perniagaan / ID Lain-lain
980131-02-5635 Trailer Sum Insured
Jumlah Treler Diinsuranskan RM 0.00 Nationality
Warganegara MALAYSIAN Voluntary Excess / Ekses Sukarela RM 0.00
Period Insurance / Tempoh Insurans
From/Dari 29-08-2022 03:14:22 PM To /Hingga 28-08-2023
Cover Type
Jenis Perlindungan SECURE MOTOR
Class of Vehicle Kelas Kenderaan
PRIVATE VEHICLE - EXCLUDING GOODS
Hire Purchase Sewa Beli
CIMB ISLAMIC BANK BERHAD
Registration No.
No. Pendaftaran Kenderaan BNT5054
Trailer Registration No.
No. Treler -
Make & Type Of Body Buatan & Jenis Badan
HONDA CITY / 4D SEDAN
Cubic Capacity
Keupayaan Enjin 1497 CC
Engine No.
No. Enjin L15Z16113217
Chassis No.
No. Casis PMHGM6640GD213245
Trailer Chassis No.
No. Casis Treler -
Seating Capacity(including driver) Muatan Tempat Duduk Termasuk Pemandu
5 Year of Manufacture
Tahun Diperbuat 2016
Basic Premium Premium Asas
RM 1,495.45 No-Claim-Discount(NCD)(0.00%)
Diskaun Tanpa Tuntutan(DTT)
RM 0.00
NCD Effective Date (29-08-2022) Tarikh Berkuatkuasa DTT Trailer Premium
Premium Treler
RM 0.00
RM 1495.45
Optional Add-on:
Manfaat Tambahan:
7.50 RM
LEGAL LIABILITY OF PASSENGERS
22.00 RM
UNLIMITED TOWING COSTS
287.91 RM
FINANCING GAP (Limit: RM 16,000.00)
64.00 TOP UP FOR FULL CONVULSION OF RM
NATURE COVER (Sum Insured: RM 40,000.00)
Total Premium Jumlah Premium
RM 1876.86
Service Tax (6.00%) Cukai Perkhidmatan
RM 112.61 Stamp Duty
Setem Hasil
RM 10.00
381.41 RM
Named Driver(s)
Pemandu yang Diberi Kuasa ANY AUTHORIZED DRIVER
Total Amount Payable
Jumlah Perlu Dibayar RM 1,999.47 Act
Akta RM 494.71
Limitation as to use: As per Certificate of Insurance attached / Had Penggunaan: Seperti Sijil Insuran yang disertakan
Subject to following endorsements printed herein or attached hereto / Tertakluk kepada endorsmen-endorsmen dicetak atau dikepil disini 15, 72, 87, A009, A011, A015
Compulsory excess of RM1000.00 is applicable for the authorised driver who is under 26 years old, or holds a provisional or learner driver licence at the time of the accident.
LEGISLATION/PERUNDANGAN:
Road Transport Act, 1987(Malaysia) Motor Vehicles (Third-Party Risks and Compensation) Act (Cap 189) Republic of Singapore Motor Vehicles (Third Party Risks and Compensation) Rules (Republic of Singapore) Motor Vehicles Insurance (Third Party Risks) Act (Cap 90) Negara Brunei Darussalam (the reference to legislation under the heading)"Avoidance of Certain Terms and Rights of Recovery is limited to Section 94, 95 and 96 of the Road Transport Act 1987 (Malaysia) Section7,8 and 9 of the Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189) Republic of Singapore and Section 7 of the Motor Vehicles Insurance (Third Party Risks) Act (Cap 90) Negara Brunei Darussalam.
The Personal Data provided by and collected from you may be used and processed by us in order for us to provide our services and to operate and manage our function as an insurance company. You consent to the use and processing of your Personal Data by the Sompo Group of Companies and Berjaya Group of Companies (within or outside Malaysia) for the purposes as stated in our Privacy Notice. Please refer to our Privacy Notice which is available at our website at www.berjayasompo.com.my for details. You may contact us for access to or correction of your Personal Data or for any other queries or feedback.
PRIVACY NOTICE:
IMPORTANT NOTICE:
Pursuant to Schedule 9 of the Financial Services Act 2013:
1.
If you are applying for this insurance wholly for purposes unrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering the questions asked by us and a duty to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise it may result in avoidance of contract, claim denied or reduced, terms changed or varied, or contract terminated.This duty of disclosure shall continue until the time the contract is entered into, varied or renewed.
For environmental conservation, policy documents will no longer be printed but will be delivered to you in an electronic form. Please read your Policy Schedule and Policy Wording for the terms and conditions of your insurance policy, including the extent of coverage and exclusions as well as endorsements, if applicable. Please call our customer service at 1-800-889-933 or your servicing agent should you require further assistance.
2.
Data Peribadi yang diberi dan dikumpul dari anda akan digunakan dan diproses oleh kami untuk memberi perkhidmatan kami dan menjalankan fungsi kami sebagai syarikat insurans. Anda bersetuju dengan penggunaan dan pemprosesan Data Peribadi anda oleh Kumpulan Syarikat Sompo dan Kumpulan Syarikat Berjaya (di dalam atau di luar Malaysia) untuk tujuan yang dinyatakan di dalam Notis Privasi kami. Sila rujuk kepada Notis Privasi kami yang boleh didapati di laman web kami di www.berjayasompo.com.my untuk maklumat lanjut. Anda boleh menghubungi kami untuk mendapatkan atau mengemas kini Data Peribadi anda atau untuk sebarang pertanyaan atau maklum balas.
NOTIS PRIVASI:
NOTIS PENTING:
Menurut Jadual 9 Akta Perkhidmatan Kewangan 2013:
1.
Jika anda memohon insurans ini sepenuhnya untuk tujuan yang tidak berkaitan perdagangan, perniagaan atau profesion anda, anda mempunyai kewajipan untuk mengambil langkah yang munasabah untuk tidak salah nyata dalam menjawab soalan-soalan yang ditanya oleh kami dan anda dikehendaki untuk mendedahkan apa-apa perkara lain yang anda tahu akan mempengaruhi keputusan kami dalam menerima risiko dan menentukan kadar dan terma yang dikenakan dan apa-apa perkara yang munasabah yang boleh dijangka, jika tidak ia boleh menyebabkan pembatalan kontrak insurans, keengganan atau pengurangan ganti rugi, perubahan terma atau penamatan kontrak insurans anda. Kewajipan pendedahan hendaklah diteruskan sehingga kontrak insurans anda dimeterai, diubah atau diperbaharui dengan kami.
Untuk kepentingan alam sekitar, dokumen-dokumen polisi tidak akan dicetak tetapi akan diserahkan kepada anda di dalam bentuk eletronik. Anda dikehendaki untuk membaca Jadual Polisi ini bersamaan dengan Kandungan Polisi untuk terma dan syarat polisi insurans anda, termasuk had perlindungan, pengecualian-pengecualian dan pengendorsan, dimana terpakai. Sila hubungi khidmat pelanggan kami di 1-800-889-933 atau ejen anda sekiranya anda memerlukan bantuan yang selanjutnya.
2.
SOMPO ESi-Motor Claims
Obtain fast approval and direct payment of up to RM5,000 for private car own damage claim.
Please call 1800 889 933 or scan the QR code for more infomation.Terms & Conditions apply.
Dapatkan kelulusan pantas dan bayaran terus sehingga RM5,000 bagi tuntutan kerosakan kereta peribadi.
Sila hubungi 1800 889 933 atau imbas kod QR untuk mendapatkan maklumat lanjut. Tertakluk kepada Terma & Syarat.
***THIS IS A COMPUTER GENERATED DOCUMENT. NO SIGNATURE IS REQUIRED.***
THIS DOCUMENT SHALL NOT BE INVALIDATED SOLELY ON THE GROUND THAT IT IS NOT SIGNED.
***INI ADALAH DOKUMEN YANG DIKELUARKAN OLEH KOMPUTER. TANDATANGAN TIDAK DIPERLUKAN.*** DOKUMEN INI TIDAK HARUS DITAKSAHKAN SEMATA-MATA ATAS ALASAN IA TIDAK DITANDATANGANI.
03L1PM982922-1 Renewal of Policy No. : -
CERTIFICATE OF INSURANCE / SIJIL INSURANS ROAD TRANSPORT ACT, 1987 (MALAYSIA)
MOTOR VEHICLES(THIRD PARTY RISKS) RULES, 1959 (MALAYSIA)
MOTOR VEHICLES(THIRD PARTY RISKS & COMPENSATION) ACT (CAP, 189) (REPUBLIC OF SINGAPORE) MOTOR VEHICLES(THIRD PARTY RISKS & COMPENSATION) RULES (REPUBLIC OF SINGAPORE) MOTOR VEHICLES INSURANCE (THIRD PARTY RISKS) ACT (CAP, 90) NEGARA BRUNEI DARUSSALAM
CERTIFICATE NO. / NO. SIJIL : MC157332
1. Index Mark and Registration Number of Vehicle / Tanda Indek dan Nombor Pendaftaran Kenderaan :
2. Name of Policyholder / Nama Pemegang Polisi : MUHAMAD AIZAT BIN ISMAIL BNT5054
MX1 C.I. Code / Kod Sijil Insurans :
3. Effective Date of the Commencement of Insurance for purposes of the Regulations, Ordinance or Enactment : 29-08-2022 03:14:22 PM Tarikh berkuatkuasa bagi Permulaan Insuran Untuk tujuan Peraturan, Ordinan atau Enakmen
4. Date of expiry of the Insurance / Tarikh Tamat Insuran : 5. Persons or Classes of persons entitled to drive* / Orang atau Kelas Orang yang layak memandu*
28-08-2023
(a) The Policyholder.
(b) Any other person who is driving on the Policyholder's order or with his permission. / (a) Pemegang Polisi.
(b) Sesiapa yang memandu atas arahan Pemegang Polisi atau dengan kebenarannya
Provided further, that the person driving is permitted in accordance with the licensing or other laws or regulations to drive the Car or has been so permitted and is not disqualified by an order of a Court of Law or by reason of any enactment or regulation in that respect from driving the Car.
Dengan syarat orang tersebut dibenarkan memandu menurut undang-undang perlesenan atau undang-undang lain atau peraturan untuk memandu kenderaan Bermotor tersebut atau telah dibenarkan dan tidak dilucutkan kelayakannya di atas perintah Mahkamah atau oleh sebab mana-mana enakmen atau peraturan daripada memandu Kenderaan Bermotor tersebut.
6. Limitations as to use* / Had Penggunaan*
Use only for social, domestic and pleasure purposes and for the Policyholder's business.
The Policy does not cover use for hire or reward, racing, pacemaking, reliability trial, speed-testing, the carriage of goods other than samples in connection with any trade or business. /
Digunakan hanya untuk tujuan sosial, domestik dan persiaran dan untuk perniagaan Pemegang Polisi.
Polisi ini tidak melindungi kegunaan untuk sewaan atau ganjaran, perlumbaan, mengkadar kelajuan, ujian kebolehpercayaan, ujian kelajuan, membawa barangan selain daripada sampel yang berkaitan dengan apa-apa pekerjaan atau perniagaan.
*Limitations rendered inoperative by Section 95 of the Road Transport Act 1987 (Malaysia) or Section 8 of the Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189)
Republic of Singapore or Section 7 of the Motor Vehicles Insurance (Third Party Risks) Act (Cap 90) Negara Brunei Darussalam, are not to be included under this heading.
Pengehadan dijadikan tidak berkuatkuasa oleh Seksyen 95 Akta Pengangkutan Jalan 1987 (Malaysia) atau Seksyen 8 of the Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189)
Republic of Singapore or Section 7 of the Motor Vehicles Insurance (Third party Risks) Act (Cap 90) Negara Brunei Darussalam tidak termasuk di bawah tajuk ini.
I/We hereby certify that this covering note is issued in accordance with the provision of Part IV of the Road Transport Act 1987 (Malaysia) and The Motor Vehicles (Third Party Risks and Compensation) Act (Republic of Singapore) The Motor Vehicles Insurance (Third Party Risks) Act (Cap 90) Negara Brunei Darussalam.
***THIS IS A COMPUTER GENERATED DOCUMENT. NO SIGNATURE IS REQUIRED.***
THIS DOCUMENT SHALL NOT BE INVALIDATED SOLELY ON THE GROUND THAT IT IS NOT SIGNED.
***INI ADALAH DOKUMEN YANG DIKELUARKAN OLEH KOMPUTER. TANDATANGAN TIDAK DIPERLUKAN.***
DOKUMEN INI TIDAK HARUS DITAKSAHKAN SEMATA-MATA ATAS ALASAN IA TIDAK DITANDATANGANI.
03L1PM982922-1
Notice to Private Car Comprehensive Policyholders
We are pleased to advise that we have implemented the following initiatives with the aim to serve our policyholders better:
1) SOMPO ESi- Motor Claims – Fast and Direct Claims settlement up to RM5,000
We are pleased to inform you that we have implemented the SOMPO ESi-Motor Claims initiative for the Motor Own Damage (OD) and Own Damage Knock for Knock (ODKFK) claims on 3 February 2020. Under this initiative, your vehicle, if involved in a minor accident, where the vehicle is still in drivable condition and repair cost does not exceed RM5,000, you will receive a direct payment from Berjaya Sompo.
You / your authorized driver is required to drive the vehicle to any of our head office/branches nationwide (except Petaling Jaya) for assessment within 24 hours after a police report has been made (except weekends and public holidays). The assessment and claims approval will take approximately one (1) hour. The money will be credited to your bank account within the next hour upon acceptance of the offer.
Simplified claim process and documentation Fast claim approval and payment
Repair at your own preferred workshop Simplified claim process and documentation
For more information, please visit our website at www.berjayasompo.com.my or call 1800 889 933.
2) Windscreen Repairs and Replacement Centres (WRRC)
For the benefit of our policyholders, we have also set up a panel of Windscreen Repairs and Replacement Centres to serve you in the unfortunate event that your car’s windscreen or window glass is damaged. You are not required to make any payment (depending on whether the sum insured of your car’s windscreen is adequate or not) or lodge a police report. There are 141 centres located throughout the country that provide these services. For more information on the location of these centres, please visit our website at www.berjayasompo.com.my.
3) Rakan Auto
We provide Rakan Auto Services to our comprehensive motor insurance policyholders that offers 24-hour emergency roadside assistance.To enjoy our Rakan Auto benefits, you are required to contact our Rakan Auto 24-hour Call Centre at 1800 18 8033 for any emergency roadside assistance.
Benefits
24-hour Emergency Towing Services Following an Accident
In the event of your car being immobilised following an accident, arrangements will be made by our Call Centre with a member of our approved panel workshop nearest to you to tow your car for repairs*. Towing charges will be imposed should your car be towed to any workshop other than our panel of approved workshops.
24-hour Emergency Breakdown and Minor Roadside Repair Services
Should your car break down, our Call Centre will arrange for roadside repairs and if that cannot be carried out, arrangements can be made to tow your car to an approved workshop for repairs. We will bear the cost up to RM300 per incident for towing and labour cost for roadside repairs. Cost of parts and toll charges are excluded, and must be settled by the policyholder directly with the workshop.
(i) You are advised to keep the Call Centre’s telephone number handy by affixing Berjaya Sompo Rakan Auto sticker onto your car’s windscreen.
Important Notes:
(ii) If you do not call Rakan Auto for assistance, you are deemed to have waived your right to such services offered by us and therefore you have to bear all charges and expenses incurred by using other service providers.
If you have any further queries, kindly contact us at 1800 889 933, or log on to www.berjayasompo.com.my, or visit any of our offices nationwide.
*Charges incurred for repairs will be claimed under your Private Car Comprehensive Policy.
Thank you.
Notis kepada Pemegang Polisi Kereta Persendirian
Kami ingin memaklumkan bahawa kami telah melaksanakan inisiatif seperti dibawah untuk tujuan memberikan perkhidmatan yang terbaik kepada pemegang polisi kami:
1) SOMPO ESi-Motor Claims – Penyelesaian Tuntutan yang pantas dan bayaran terus sehingga RM5,000
Kami ingin memaklumkan kepada anda bahawa kami telah melaksanakan inisiatif SOMPO ESi-Motor Claims untuk Tuntutan Kerosakan Sendiri dan Tuntutan Kerosakan Sendiri Knock-for-Knock (KFK) mulai 3 Februari 2020. Melalui inisiatif ini, jika kereta anda terlibat dalam kemalangan kecil, di mana kereta anda masih boleh dipandu dan kos pembaikan tidak melebihi RM5,000.00, anda akan mendapat pembayaran terus dari Berjaya Sompo.
Anda / Pemandu Dibenarkan perlu memandu kereta tersebut ke Ibu Pejabat kami atau mana-mana cawangan di seluruh Malaysia (kecuali Petaling Jaya) dalam masa 24 jam selepas laporan polis dilakukan (kecuali pada hujung minggu dan cuti umum) untuk pentaksiran/penilaian tuntutan.
Pentaksiran/penilaian dan kelulusan tuntutan akan mengambil masa lebih kurang satu (1) jam. Wang tuntutan akan dikreditkan ke dalam akaun bank anda dalam masa satu jam selepas anda menerima tawaran kami.
Proses tuntutan dan dokumentasi dipermudahkan Kelulusan tuntutan dan pembayaran yang pantas
Pembaikan kerosakan boleh dilakukan di bengkel pilihan anda Berikut adalah sebahagian daripada manfaat inisiatif ini:
Untuk keterangan yang lanjut, sila layari laman sesawang kami di www.berjayasompo.com.my atau hubungi kami melalui talian 1800 889 933.
2) Pusat Pembaikan dan Penggantian Cermin Kereta
Untuk manfaat pemegang polisi, kami juga telah menyediakan panel Pusat Pembaikan dan Penggantian Cermin Kereta untuk memberi perkhidmatan kepada anda jika cermin atau tingkap kereta anda pecah. Anda dikehendaki membaiki atau menggantikan cermin kereta yang pecah hanya di panel Pusat Pembaikan dan Penggantian Cermin Kereta, panel bengkel pembaikan kerosakn kemalangan atau Bengkel Berkualiti DRS, dan anda tidak perlu membuat sebarang bayaran (bergantung kepada amaun cermin kereta anda yang diinsurankan samada mencukupi atau tidak) atau laporan polis.
Terdapat 141 pusat pembaikan diseluruh negara yang menawarkan perkhidmatan ini. Sila layari www.berjayasompo.com.my untuk mendapatkan keterangan yang lanjut mengenai lokasi pusat Pembaikan.
3) Rakan Auto
Kami menyediakan perkhidmatan Rakan Auto kepada pemegang polisi insurans komprehensif kenderaan dengan bantuan kecemasan 24-jam di jalan raya. Untuk menikmati manfaat Rakan Auto, anda dikehendaki menghubungi khidmat pelanggan Rakan Auto 24-jam melalui talian 1800 18 8033 bagi bantuan kecemasan di jalan raya.
Manfaat
Perkhidmatan Tunda Akibat Kemalangan 24-jam
Sekiranya kereta anda tidak boleh bergerak akibat kemalangan, Khidmat Pelanggan kami akan mengatur perkhidmatan tunda melalui panel bengkel yang diluluskan yang berdekatan untuk membaiki kereta anda*. Caj tunda akan dikenakan jika kereta anda ditunda ke mana-mana bengkel selain daripada panel bengkel yang diluluskan.
Perkhidmatan Kecemasan Pembaikan Kerosakan Kecil di Jalan Raya 24-jam
Sekiranya kereta anda mengalami kerosakan, Khidmat Pelanggan kami akan mengaturkan pembaikan kerosakan di jalan raya, dan sekiranya tidak dapat dilakukan, kami boleh menguruskan untuk menunda kereta anda ke bengkel yang diluluskan untuk pembaikan. Kami akan menanggung kos sehingga RM300 bagi setiap insiden untuk menunda dan kos buruh untuk pembaikan di jalan raya. Kos alat ganti dan bayaran tol dikecualikan dan perlu diselesaikan oleh pemegang polisi secara langsung dengan bengkel.
(i) Anda dinasihatkan untuk menyimpan nombor telefon Khidmat Pelanggan dengan menampalkan pelekat Berjaya Sompo Rakan Auto di atas cermin hadapan kereta anda
Notis Penting:
(ii) Jika anda tidak menghubungi Rakan Auto untuk mendapatkan bantuan, anda dianggap telah mengenepikan hak anda untuk menggunakan perkhidmatan tersebut dan anda perlu menanggung semua caj dan perbelanjaan yang dikenakan oleh pembekal perkhidmatan yang lain.
Jika anda mempunyai sebarang pertanyaan, sila hubungi kami melalui talian 1800 889 933 atau layari www.berjayasompo.com.my atau melawat pejabat kami di seluruh Malaysia.
*Caj yang dikenakan untuk pembaikan akan dituntut di bawah Polisi Komprehensif Kenderaan Persendirian anda.
Terima kasih.
LETTER OF UNDERTAKING / SURAT AKUJANJI NCD Entitlement / Kelayakan Diskaun Tanpa Tuntutan
Previous Vehicle No. / No. Kenderaan Lama:BNT5054
I/C No. (Old) / No. Kad Pengenalan(Lama): (New) / (Baru):980131-02-5635 Business Registration No. / No. Pendaftaran Syarikat: -
I am currently holding a valid * Comprehensive/Third Party motor policy with BERJAYA SOMPO INSURANCE BHD(current Insurer)
Pada masa ini,saya memegang polisi motor * Komprehensif/Pihak Ketiga yang sah dengan BERJAYA SOMPO INSURANCE BHD(penanggung insurans sekarang).
I intend to transfer or claim my 0.00% NCB entitlement to a vehicle No. BNT5054 to be insured with You or purchase a policy from Your Company.
Saya ingin memindahkan atau menuntut 0.00% Kelayakan Diskaun Tanpa Tuntutan saya ke kenderaan bernombor BNT5054 untuk diinsuranskan dengan Anda atau membeli polisi daripada syarikat Anda.
I hereby confirm that / Saya dengan ini mengesahkan bahawa:-
(a) to the best of my knowledge I have not been involved in an accident in which a claim or Court Action has been lodged/pending or is likely to be taken against me under the policy.
Dalam pengetahuan saya, saya tidak pernah terlibat dalam sebarang kemalangan di mana ada tuntutan atau Tindakan Makhamah telah dibuat/belum selesai atau kemungkinan akan diambil terhadap saya dibawah polisi ini
(b) there is no breach of any policy condition(s) which affects my NCD entitlement.
tiada perlanggaran pada mana-mana syarat polisi yang boleh menjejaskan kelayakan Diskaun Tanpa Tuntutan saya.
(c) I have not and shall not use this entitlement of NCD for any other vehicle/policy.
Saya belum dan tidak akan menggunakan kelayakan Diskaun Tanpa Tuntutan ini untuk mana-mana kenderaan/polisi yang lain.
(d) if the NCD is incorrect, I undertake to pay the difference of premium within 14 working days, failing which I agree the policy may be cancelled by the company.
Sekiranya Diskaun Tanpa Tuntutan ini tidak betul, saya memberi akujanji untuk membayar balik perbezaan premium dalam masa 14 hari bekerja, sekiranya gagal berbuat demikian, saya bersetuju polisi saya dibatalkan oleh Syarikat.
Applicable if NCD is given before confirmation with the ISM NCD Database.
Diguna pakai sekiranya Diskaun Tanpa Tuntutan telah diberikan sebelum mendapat pengesahan dari Pengkalan Data NCD ISM.
1. Enclosed is a copy of *(Original Policy Schedule/Renewal Notice issued by insurance company/Endorsement/Certificate of Insurance) as evidence of my entitlement.
Ditampirkan sesalinan *(Jadual Polisi Asal/Notis Pembaharuan yang dikeluarkan oleh syarikat insurans/Pengendorsan/Sijil Insurans) sebagai bukti kelayakan saya.
2. If the transfer of NCD is between two different vehicles, please enclose the relevant Cancellation/Recovery NCD Endorsement for verification.
Jika pemindahan Diskaun Tanpa Tuntutan adalah antara dua kenderaan berasingan, sila lampirkan Pengendorsan Pembatalan/Pengembalian Balik Diskaun Tanpa Tuntutan berkenaan untuk pengesahan.
Insured Signature/Tandatangan Pihak Diinsuranskan (if the Insured is a company, authorised signature(s) and chop) (jika pihak diinsuranskan adalah syarikat, tandatangan berserta
dengan cop) Note/Nota:
NCD from Overseas / Diskaun Tanpa Tuntutan daripada Luar Negara
Duly Signed Letter of Undertaking and the original NCD confirmation letter stating the number of claim free years must be submitted.
Surat Akujanji yang ditandatangani sewajarnya dan surat pengesahan asal Diskaun Tanpa Tuntutan yang menyatakan bilangan tahun bebas tuntutan mestilah disertakan.
*delete whichever is not appropriate / *Potong yang mana tidak berkenaan.
CONSUMER MOTOR INSURANCE PROPOSAL FORM
BORANG CADANGAN KENDERAAN BERMOTOR (PENGGUNA) e-policy no:MC157332 Please make sure that you have read and understood the contents of the Product Disclosure Sheet (PDS) before purchasing the product. /
Sila pastikan anda telah membaca dan memahami kandungan Lembaran Pendedahan Produk (PDS) sebelum membeli produk tersebut.
Berjaya Sompo Insurance Berhad (Registration No. 198001008821 (62605-U)) (BSIB) is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. /
Berjaya Sompo Insurance Berhad (Registration No. 198001008821 (62605-U)) (BSIB) dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawalselia oleh Bank Negara Malaysia.
Berjaya Sompo Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). For more information, kindly contact PIDM at 1-800- 88-1266 or visit the PIDM website at www.pidm.gov.my. /
Berjaya Sompo Insurance Berhad adalah ahli Perbadanan Insurans Deposit Malaysia (PIDM). Untuk maklumat lebih lanjut, sila hubungi PIDM di 1-800- 88-1266 atau lawati laman web PIDM di www.pidm.gov.my.
IMPORTANT NOTICES
Sila pastikan anggaran nilai kenderaan anda yang dilindungi selaras dengan nilai pasaran kenderaan tersebut. Jika tidak,mengikut 'Fasal Purata' anda terpaksa menanggung sendiri sebahagian daripada kerugian yang dialami.
Walaubagaimanapun, 'Fasal Purata' tersebut tidak akan dikenakan jika nilai yang diinsuranskan melebihi 10% dari nilai pasaran semasa kerugian dilaporkan.
If your motor vehicle at the time of any loss or damage (be it partial/total loss) insured against be of greater value than the insured value stated in the Policy, you shall be considered as being your own insurer for the difference and shall bear a rateable proportion of the loss accordingly. However, this clause shall not apply unless the market value at the time of the loss exceeds the insured value by 10%.
Tiada penanggung insurans berlesen pun boleh mengambil alih apa-apa risiko berkenaan dengan apa-apa perihalan Polisi sebagaimana yang ditetapkan oleh Bank melainkan jika dan sehingga premium yang kena dibayar diterima oleh penanggung insurans berlesen itu dengan apa-apa cara dan dalam apa-apa tempoh sebagaimana yang ditetapkan oleh Bank.
No licensed insurer shall assume any risk in respect of such description of Policy as may be prescribed by the Bank unless and until the premium payable is received by the licensed insurer in such manner and within such time as may be prescribed by the Bank.
Pursuant to Schedule 9 of the Financial Services Act 2013, you must take reasonable care to ensure that all your answers to the questions are to the best of your knowledge, full, complete, correct and honest. You also have a duty to inform us of any change in the details or information given to us before we issue the Policy to you, or before you renew or change any of the terms of your Policy. If you fail to do so, your Policy may be cancelled or treated as if it never existed, or your claim may be rejected or not fully paid.
Menurut Jadual 9 Akta Perkhidmatan Kewangan 2013, anda hendaklah mengambil penjagaan munasabah untuk menjawab semua soalan dengan lengkap, tepat, jujur berdasarkan sepanjang pengetahuan anda. Adalah menjadi kewajiban anda juga untuk memaklum kepada kami apa-apa perubahan mengenai butiran-butiran atau maklumat yang diberikan kepada kami sebelum kami mengeluarkan Polisi kepada anda atau sebelum anda memperbaharui atau mengubah apa-apa terma untuk Polisi anda. Sekiranya anda gagal untuk berbuat demikian, Polisi anda mungkin dibatalkan atau dianggap tidak wujud atau tuntutan anda mungkin ditolak atau nilai tuntutan dikurangkan.
The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us.
Kewajipan pendedahan diatas hendaklah diteruskan sehingga kontrak insurans anda dimeterai, diubah atau diperbaharui dengan kami.
In addition to answering the questions in this Proposal Form, you are required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied.
Sebagai tambahan kepada soalan-soalan dalam Borang Cadangan ini, anda dikehendaki untuk mendedahkan apa-apa perkara lain yang anda tahu akan mempengaruhi keputusan kami dalam menerima risiko dan menentukan kadar dan terma yang dikenakan.
You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given in this Proposal Form is inaccurate or has changed.
Anda juga mempunyai kewajipan untuk memberitahu kami dengan serta- merta jika pada bila-bila masa selepas kontrak insurans anda ditandatangani, diubah atau diperbaharui dengan kami, apa-apa maklumat yang dinyatakan dalam Borang Cadangan ini tidak tepat atau telah berubah.
CBC REGULATION - Section 84(1) of the Financial Services Act 2013
Please note that it is an offence under the laws of the Republic of Singapore to enter the country without extending passenger liability cover to your motor insurance.
Adalah menjadi satu kesalahan di bawah undang-undang Republik Singapura untuk memasuki negara tersebut tanpa perluasan perlindungan liabiliti penumpang ke atas insurans motor Anda. Jika Anda membuat perjalanan ke Singapura, Anda mesti mengambil perlindungan liabiliti ini.
Average Clause
Passenger Liability Cover
PERATURAN CBC - Seksyen 84(1) daripada Akta Perkhidmatan Kewangan 2013
Fasal Purata
Perlindungan Liabiliti Penumpang NOTIS PENTING
A.THE PROPOSER/BUTIR PENCADANG
Name /Nama: MUHAMAD AIZAT BIN ISMAIL
NO 175 KAMPUNG CHAROK TENANG SIK 08210 SIK
KEDAH Address / Alamat :
Old IC No. or Bus. Regn No./No. K.P Lama atau No. Pendaftaran Perniagaan:
New IC No./No. K.P Baru: 980131-02-5635
Gender or Body Corporate/Jantina atau Badan Koperat : MALE Marital Status/Taraf Perkahwinan: MARRIED
Date of Birth /Tarikh Lahir: 31-01-1998 Nationality /Warganegara: MALAYSIAN
Occupation / Pekerjaan : POSTMAN
Period of Insurance/Tempoh Insurans:From/Dari : 29-08-2022 03:14:22 PM To /Hingga : 28-08-2023 12:00 midnight / tengah malam PRIVATE VEHICLE - EXCLUDING GOODS - SECURE MOTOR Type of Insurance Required/Jenis Perlindungan Dipohon:
INDIVIDUAL Purpose for which vehicle is used/Kenderaan digunakan bagi tujuan:
B. SCOPE OF COVER/SKOP LINDUNGAN
C. DESCRIPTION OF VEHICLE /BUTIR-BUTIR KENDERAAN
Model /Jenis :
HONDA HONDA CITY
Make/Buatan:
NVIC:
E-MY2014-4D SEDAN- CONTINUOUS VARIABLE
IUT16A Variant/Varian:
Body Type /Jenis Badan:
2016 4D SEDAN
Year of Manufacture/Tahun Diperbuat:
Reg No./No. Pendaftaran:
Trailer's Reg No./No. Pendaftaran Treler:
Date of Purchase/Tarikh Pembelian:
Veh.Solely Use in/Kenderaan hanya digunakan di:
Cubic Capacity /Kuasa Enjin:
Seating Capacity/Muatan duduk:
Trailer Sum Insured/Jumlah Treler Diinsuranskan:
BNT5054
40,000.00 -
-
WEST MALAYSIA
1497 CC
5 0.00 RM
RM RM 0.00 Purchase Price/Harga Pembelian:
Hire Purchase Owner/Pemilik Sewa Beli: CIMB ISLAMIC BANK BERHAD
Agreed Value/Nilai yang dipersetujui
PMHGM6640GD213245
Engine No./No. Enjin: L15Z16113217 Chassis No. /No. Casis:
Extra Benefits/Manfaat Tambahan: FINANCING GAP
LEGAL LIABILITY OF PASSENGERS
TOP UP FOR FULL CONVULSION OF NATURE COVER UNLIMITED TOWING COSTS
ANY AUTHORIZED DRIVER Authorised Driver / Rider / Pemandu yang
dibenarkan/Penunggang :
Will the vehicle carry any of the following goods/Adakah kenderaan tersebut membawa barang-barang seperti berikut?
Petroleum products or Gasoline or Petrolchemical/Barangan petrol @ Gasoline @ Petrolchemical:
Liquified gases/Gas Cecair:
Gases under pressure/Gas (dalam bentuk tekanan):
Corrosive liquids / Cecair Korosif : Toxic Substances / Barangan Toksik :
H a z a r d o u s C h e m i c a l s / B a h a n k i m i a m e r b a h a y a :
D. APPLICABLE TO GOODS CARRYING VEHICLE ONLY/UNTUK KENDERAAN PENGANGKUT BARANG-BARANG SAHAJA
NRIC Number/No. K.P.:
Signature /Tandatangan : Full Name/Nama Penuh :
I/We understand that it is my/our duty to take reasonable care not to make a misrepresentation in answering the questions in this Proposal Form and I/we hereby declare that I/we have fully and accurately answered the questions above. I/We understand and acknowledge receipt of a copy of the Product Disclosure Sheet (PDS) which has/have been made available to me/us. I/We acknowledge that I/we fully understand the key contract terms of the product.
Saya/Kami faham bahawa menjadi tanggungjawab saya/kami untuk mengambil langkah yang munasabah untuk tidak salah nyata semasa menjawab soalan-soalan dalam Borang Cadangan ini dan saya/kami dengan ini mengaku bahawa saya/kami telah menjawab dengan sepenuhnya dan dengan tepat soalan di atas. Saya /Kami memahami dan mengakui penerimaan salinan Lembaran Pendedahan Produk (PDS) yang telah disediakan kepada saya /kami. Saya/Kami mengakui bahawa saya/kami memahami sepenuhnya terma kontrak utama.
Dated this day ofTarikh hari ini PROPOSER/PENCADANG :
Full Name/Nama Penuh :
NRIC Number/No. K.P.:
Signature /Tandatangan :
DULY WITNESSED/SAKSI:
E. DECLARATION/PENGAKUAN
Service Tax License No : W10-1808-31004734 INVOICE
Invoice No UTRK-02350128-0822
Date : 29-08-2022
MUHAMAD AIZAT BIN ISMAIL :
NO 175 KAMPUNG CHAROK TENANG SIK 08210 SIK
KEDAH
MOTOR : 10005696
Class :
Intermediary No.
Particulars
Policy No : MC157332
:
28-08-2023 To
29-08-2022
Period of Insurance :
Currency RINGGIT MALAYSIA
Gross Premium : 1,876.86
1,876.86
Total Excluding Service Tax : 1,876.86
Service Tax (6.00%) : 112.61
Stamp Duty : 10.00
Total Amount Payable : 1,999.47
This is a computer generated document. No signature is required.
Table of Contents
EXPLANATORY NOTES ... 3
IMPORTANT NOTICE ... 7
OUR AGREEMENT WITH YOU ... 8
SECTION A: LOSS OR DAMAGE TO YOUR OWN CAR ... 8
SECTION B: LIABILITY TO THIRD PARTIES ...11
SECTION C: NO CLAIM DISCOUNT ...12
SECTION D: GENERAL EXCEPTIONS (These apply to the whole Policy) ...13
SECTION E: CONDITIONS (These apply to the whole Policy) ...14
SECTION F: DEFINITIONS OF WORDS HIGHLIGHTED IN THE POLICY ...16
SECTION G: ENDORSEMENTS (Applicable only if the Endorsement number is printed in the
Schedule) ...18
EXPLANATORY NOTES
How to read this document
Please note that Your Private Car Policy only starts from page 8 onwards. To help You read and understand Your Policy better We provide some explanatory notes together with comments and examples (written in italic). These are not meant to be part of Your Policy and should not be used to interpret Your insurance contract in the event of any dispute.
Words in bold
You will notice that some words in the Policy are printed in bold letters. This is because they have been given specific meaning in Your Private Car Policy. Please refer to Section F on page 16 to 18 for the meaning of these words.
What makes up Your insurance contract?
Your insurance contract with Us is made up of the following:
• insurance Policy in pages 8 to 25 (excluding the italic texts);
• the information You provided Us when You applied for this insurance;
• the Schedule;
• the Endorsements attached to the Policy; and
• the Certificate of Insurance (CI).
All these must be read together as they form Your insurance contract.
Duty of Disclosure
A. Consumer Insurance Contract
Where You have applied for this insurance wholly for purposes unrelated to Your trade, business or profession, You had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when You applied for this insurance) i.e. You should have answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of Your contract of insurance, refusal or reduction of Your claim(s), change of terms or termination of Your contract of insurance in accordance with Schedule 9 of the Financial Services Act 2013. You were also required to disclose any other matter that You knew to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied.
You also have a duty to tell Us immediately if at any time after Your contract of insurance has been entered into, varied or renewed with Us, any of the information given in the Proposal Form (or when You applied for this insurance) is inaccurate or has changed.
B. Non-Consumer Insurance Contract
Where You have applied for this insurance for purposes related to Your trade, business or profession, You had a duty to disclose any matter that You know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied, and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise it may result in avoidance of Your contract of insurance, refusal or reduction of Your claim(s), change of term(s) or termination of Your contract of insurance.
You also have a duty to tell Us immediately if at any time after Your contract of insurance has been entered into, varied or renewed with Us, any of the information given in the Proposal Form (or when You applied for this insurance) is inaccurate or has changed.
If You misrepresented any facts to Us before the Policy is entered into, examples of the actions that may be taken by Us against You include the following:
• declare Your Policy void from inception (which means treating it as invalid), and We may not return any premium;
• cancel this Policy and return any premium less Our cancellation charge or recover any unpaid premium;
• recover any shortfall in premium;
• not pay any claim that has been or will be made under the Policy; or
• be entitled to recover from You the total amount of any claim already paid under the Policy or any claim We have to pay because of any relevant Road traffic legislation, plus any recovery cost.
What is covered?
Your insurance Policy provides a Comprehensive coverage for Your Car but it may not cover You against everything. Check out the Schedule that We issued to You to know the type of cover You bought. The main types of cover are:
Page Basic Cover Checklist
8 Section A: Loss or Damage to Your Own Car
8 1. (a) Events We Cover
✓
(i) accidental collision or overturning
✓
(ii) collision or overturning caused by mechanical breakdown
✓
(iii) collision or overturning caused by wear and tear
✓
(iv) impact damage caused by falling objects subject to certain exclusions
✓
(v) fire, explosion or lightning
✓
(vi) breakage of windscreen, windows or sunroof including lamination / tinting film
✓
(vii) burglary, housebreaking or theft
✓
(viii) malicious act
✓
(ix) while in transit (limited cover)
✓
(x) loss or damage caused by Convulsion of Nature such as flood, storm and landslip
(subject to stated limit)
✓
(b) Events We Do Not Cover
✓
9 2. Basis of Settlement (how We will settle Your claim)
✓
11 3. Towing Costs (to a Repairer or safe place)
✓
11 Section B: Liability to Third Parties
✓
11 1. (a) What is Covered (by this section)
✓
(i) Death or bodily injury to third parties;
✓
(ii) Third party property damage
✓
11 (b) What is Not Covered (by this section)
✓
12 2. Limits of Our Liability (the maximum that We pay)
✓
12 3. Cover for Legal Personal Representatives (if You are dead)
✓
12 4. Maximum Legal Costs (if approved)
✓
12 5. Rights of Recovery
✓
12 Section C: No Claim Discount
✓
13 Section D: General Exceptions (what is not covered by the Policy)
✓
14 Section E: Conditions (terms that You must comply with)
✓
16 Section F: Definitions (explains the words in bold)
✓
18 Section G: Endorsements (additional terms that We may impose on You or additional
covers if You have paid additional premium) Optional
Key:
✓ = Applicable
What this Policy does not cover?
These are referred to as ‘Exceptions’ in Your Policy and there are three sections where You can find them:
• Section A1b – see ‘Events We Do Not Cover’ (pages 9): applicable to Comprehensive Policy only.
• Section B1b – see ‘What is Not Covered’ (pages 11): applicable to Comprehensive.
• Section D – see ‘General Exceptions’ (pages 13): applicable to Comprehensive.
There are generally three reasons why We put these exceptions in Your basic Private Car Policy:
(1) Cover is not provided for the exceptions. We have to charge additional premium if You want to cover any of these exceptions. Some examples of the exceptions which are not covered by Your basic Private Car Policy but which can be covered if You pay additional premium are:
• full cover for flood, storm {see Section A1b – ‘Events We Do Not Cover’ (page 8);
• strike, riot, civil commotion {see Section D – ‘General Exception 8b’ (page 13); and
• use outside Malaysia, Singapore or Brunei {see Section D – ‘General Exception 6’ (page 13).
(2) There are other risks which are not covered by the basic Private Car Policy or by any of its extensions. We would have to issue a different Policy if You want these types of cover. For example, the following are not covered by Your Private Car Policy but can be covered under a different type of Policy:
• carriage of goods must be covered under a Commercial Vehicle Policy; and
• hire or reward must be covered by taxi or hired Car Policy.
(3) We cannot and do not cover certain risks at all. Some examples of these can be seen in Section D – ‘General Exceptions’
(page 13) such as:
• war, nuclear fission or fusion;
• risks that are against public Policy or against the law; and
• drunk driving.
How can Your Car be used?
Since this is a Private Car Policy, Your Policy only covers You if Your Car is used for “social, domestic and pleasure purposes and for the policyholder's business”. This is clearly stated in the Certificate of Insurance under the heading “Limitation as to Use”.
The following are some examples of how Your Car can be used:
• to visit relatives and friends, for shopping etc.; and
• for some limited business use such as getting to and from work, and meeting customers.
However, We will not cover You, for example, if You use Your Car in the following manner:
• as a private taxi or private hire Car (e-hailing) by charging fares to carry passengers;
For an additional premium Your Policy can be extended to cover Private Hire if You or Your Authorised Driver is using Your Car for the purpose of licensed e-hailing (Endorsement A008: Private Hire Car Endorsement, page 23).
• as a hire Car by charging rental to use Your Car;
• to carry any goods in connection with any trade or business other than samples. You must buy a Commercial Vehicle Policy to cover for this use;
• for motor trade (use for showroom display and for test-drive);
• to practice for or to take part in any race, rally, pacemaking, reliability trial or speed test; and
• use on any racetrack.
Who can drive Your Car?
• Practically anyone can drive Your Car as long as the driver:
• has a valid licence of the relevant class to drive and is not disqualified to drive by law or for some other reason {(see exclusion on Unlicensed Drivers in Section D – ‘General Exception 1’ (page 13)};
• has Your permission to drive (see definition of Authorised Driver in page 16); and
• complies with all the terms and conditions of this Policy.
• Although anyone complying with the above conditions can drive Your Car, You may have to pay a Compulsory Excess depending on the age of the driver or the type of license the driver possesses (see explanation on Excess in page 17).
• If You or Your Authorised Driver is not qualified to drive or breach any of the terms and conditions, Your claim may be rejected. If We are compelled by law to pay, We can recover any sum(s) paid and any expenses incurred from You or Your Authorised Driver.
In which territory is Your Car covered?
This insurance You have purchased only covers You in Malaysia, Singapore and Brunei in accordance to the laws of Malaysia.
Additionally, note that if You intend to drive Your Car into Singapore, You are required by Singapore’s law to have cover against Legal Liability to Passengers (LLP). Since LLP is not covered by the basic Private Car Policy, You will need to purchase Endorsement 100 (see page 20), which provides a limited cover for Your liability for death or bodily injury of passengers.
When is Your cover effective?
This insurance is effective from the time of purchase of cover or at the agreed time of commencement, until the expiry date. The Period of Insurance will be printed in the Policy Schedule and related documents. If there is any change to these dates, it will be officially shown in an Endorsement issued by Us.
How much should You insure Your Car for under a Comprehensive or Third Party, Fire and Theft Policy?
To be safe, You should insure Your Car at its current Market Value (see definition in page 17). In simple terms, this is the current cost to replace Your Car with another Car of the same make, model, age and general condition. The amount that You choose to insure is called the Sum Insured. Please note that You could be penalised if Your Car is under-insured (see Section A2e –
‘Under-Insurance’ in page 10).
For example, if the Market Value of Your Car is RM100,000 but You only insured it for RM80,000 then You could be penalised for under-insurance. Assuming the loss is assessed at RM5,000, instead of We paying the full amount, You could be made to bear a portion of the loss in proportion to the under-insurance as follows:
Sum Insured
Market Value x Loss = RM80,000
RM100,000 x RM5,000 = RM4,000 Therefore, We will pay RM4,000 while the balance of RM1,000 will be borne by You.
You would be penalised as shown above if the Market Value of Your Car exceeds the Sum Insured by 10%. On the other hand, it would be a waste of money to over-insure as Your insurer would not pay more than the Market Value. One way to protect Yourself from being under-insured or over-insured is to opt for the Sum Insured determined by a Market Valuation System approved by Persatuan Insurans Am Malaysia (PIAM).
What is No Claim Discount (“NCD”)?
This is a form of premium discount for not having made a claim during the preceding period of Your insurance (provided the Period of Insurance exceeds one year). The scale of NCD applied is specifically mentioned in the Policy.
The applicable NCD can be checked with Us or the Central NCD Database (“CND”) at https://www.mycarinfo.com.my/ncdcheck/online before the purchase of Your Private Car Policy.
What is an Excess?
This is the first amount that You have to bear Yourself for each and every claim that We approve, even if the Incident is not Your fault. Please check Your Policy Schedule to find out the amount that You are liable to pay. This is usually referred to as Voluntary Excess identified either as Endorsement 1: Voluntary Excess All Claims or Endorsement 2: Voluntary Excess Damage Claim in Your Policy. Note that there is also the Compulsory Excess (see page 11) where You have to bear an additional Excess of RM1,000 if You or the person driving Your Car
• is under 26 years old;
• holds a Provisional (P) or Learner (L) driver’s license.
You are not required to provide name(s) of Your Authorised Driver(s). All Authorised Drivers are not subject to the Compulsory Excess unless they fall within the category of person who is under 26 years old or holds a provisional or learner driver licence.
As an example, if We assess the claim payable to be RM10,000 but Your Policy carries a voluntary Excess of RM500, You will have to bear the first RM500 Yourself and We will pay the balance of RM9,500. However, if the driver is below 26 years old, You have to bear an additional Excess of RM1,000. Using the same example, You now have to bear RM1,500 (i.e. 500 + 1,000) and We will pay RM8, 500.
Do’s and Don’ts – after You have had an accident, breakdown or theft Do:
• Call Accident Assist Call Centre (AACC) 24 hours nationwide insurance Road accident Helpline number: 1-300-22-1188 or
• Call Our Rakan Auto 24-hour Call Centre at 1800 18 8033 for immediate Road assistance or tow service, or to make an enquiry on claims procedure;
• inform Us as soon as possible about any Incident which may give rise to a claim;
• report all accidents to the police within 24 hours as required by law;
• submit immediately to Us all letters, claims, writs and summons which You have received from third parties as a result of the Incident;
• remove Your Car to Our approved panel Repairer for repairs or windscreen repairs or replacement;
• fully fill up the relevant sections of Your claim form – do not put “refer to police report”; and
• if You have a Comprehensive cover and the third party that knocked Your Car is clearly at fault, You are advised to submit own damage Knock-for-Knock (KfK) claim to Us in order to expedite claims processing. Your NCD entitlement will not be affected and You can claim the Excess that You had paid from the insurer of the third party.
Don’t:
• negotiate, admit or repudiate any claim without Our consent (see Condition 2 in page 14); and
• authorise repair without Our consent (see Condition 2f in page 14).
Condition 2 of Your Policy (see page 14) spells out the Do’s and the Don’ts after an accident or theft in more detail.
If You have any complaints relating to this Policy, please contact COMPLAINTS UNIT – CUSTOMER SERVICE CENTRE
Berjaya Sompo Insurance Berhad
Registration No. 198001008821 (62605-U) Level 36, Menara Bangkok Bank
105 Jalan Ampang 50450 Kuala Lumpur
Tel : 03-2170 7300
Tol Free : 1-800-889-933
Fax : 03-2170 4800
Email : customer@bsompo.com.my
If You are not happy with Our response, You may opt to contact either:
OMBUDSMAN FOR FINANCIAL SERVICES Level 14, Main Block
Menara Takaful Malaysia 4, Jalan Sultan Sulaiman 50000 Kuala Lumpur
LAMAN INFORMASI NASIHAT DAN KHIDMAT (LINK) Bank Negara Malaysia
Ground Floor, Blok D Jalan Dato Onn 50480 Kuala Lumpur Tel.
Fax E-mail Website
: 03-2272 2811 : 03-2272 1577 : enquiry@ofs.org.my : www.ofs.org.my
Tol free General Line Fax
Email eLINK SMS
: 1-300-88-5465
: 603-2698-8044 / 2698 9044 / 9179 2888 : 03-2174 1515
: bnmtelelink@bnm.gov.my : telelink.bnm.gov.my : 15888
IMPORTANT NOTICE
This is Your Secure Motor Policy. You should satisfy yourself that this Policy will best serve Your needs. You should read and understand the Policy terms, conditions and warranties and discuss with Your insurance advisor, agent, broker and/or with Us directly for more information and/or to clarify any doubts You may have, before You purchase this Policy.
You must fully observe and fulfill the terms, conditions and warranties of this Policy to enjoy the coverage provided. If You have any questions after reading these documents or if there are any change in Your circumstances that may affect the insurance provided, please notify Us immediately, otherwise You may not receive the benefits of this Policy.
This Policy is also available in Bahasa Malaysia. If You require a version in Bahasa Malaysia, please visit any of Our offices nationwide or download a copy from www.berjayasompo.com.my.
OUR AGREEMENT WITH YOU
A. Where Your Car is used for any purpose that is not related to Your trade, business or profession, the following applies Consumer Insurance Contract
This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the answers given in Your Proposal Form (or when You applied for this insurance) and any other disclosures made by You between the time of submission of Your Proposal Form (or when You applied for this insurance) and the time this contract is entered into. The answers and any other disclosures given by You shall form part of this contract of insurance between You and Us. However, in the event of any pre-contractual misrepresentation made in relation to Your answers or in any disclosures given by You, only the remedies in Schedule 9 of the Financial Services Act 2013 will apply.
This Policy reflects the terms and conditions of the contract of insurance as agreed between You and Us.
B. Where Your Car is used for purposes related to Your trade, business or profession, the following applies:
Non-Consumer Insurance Contract
This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the answers given in Your Proposal Form (or when You applied for this insurance) and any other disclosures made by You between the time of submission of Your Proposal Form (or when You applied for this insurance) and the time this contract is entered into. The answers and any other disclosures given by You shall form part of this contract of insurance between You and Us. In the event of any pre-contractual misrepresentation made in relation to Your answers or in any disclosures made by You, it may result in avoidance of Your contract of insurance, refusal or reduction of Your claim(s), change of terms or termination of Your contract of insurance.
This Policy reflects the terms and conditions of the contract of insurance as agreed between You and Us.
SECTION A: LOSS OR DAMAGE TO YOUR OWN CAR
This section spells out what We cover under Section A.
1. (a) Events We Cover
We will indemnify You if Your Car is lost or damaged during the Period of Insurance arising from the following Incidents:
(i) accidental collision or overturning;
(ii) collision or overturning caused by mechanical breakdown;
(iii) collision or overturning caused by wear and tear;
(iv) impact damage caused by falling objects provided no convulsions of nature is involved;
(v) fire, explosion or lightning;
(vi) breakage of windscreen, windows or sunroof including lamination / tinting film, if any;
However, Your no claim discount (NCD) would be forfeited when You make windscreen, windows or sunroof claim if You have not already purchased Endorsement 89: Cover for Windscreens, Windows and Sunroof, page 20.
(vii) burglary, housebreaking or theft;
(viii) malicious act; or
(ix) while in transit i.e. being carried from one place to another (including during loading and unloading) of Your Car by:
(a) Road;
(b) rail;
(c) inland waterway i.e. across a river or canal etc.; or
(d) across the sea by ferry or ship or any sea faring vessels etc. between the island of Penang and the mainland only.
For an additional premium, Your Policy can be extended to cover for ferry transit between Sabah and Labuan (Endorsement 109:Extension of Cover for Ferry Transit to and / or from Sabah and the Federal Territory of Labuan).
(x) loss or damage caused by any form of convulsions of nature as specified in Section A, 1(b) (vi), where claim amount is limited only to RM10,000 or 20% of Policy Sum Insured, whichever is the lower.
(b) Events We Do Not Cover
The events We do not cover are the exceptions listed below. These exceptions are specific to Section A and are in addition to exceptions listed in Section D and the applicable Endorsements
We will not pay for the following losses:
(i) Consequential Losses
Any direct or indirect losses of any kind that may arise as a consequence of any Incident other than that provided for in Section A2.
(ii) Loss of Use
Any expense or financial loss that You may incur because You cannot use Your Car e.g. cost of hiring replacement Car, travelling expenses etc.
For an additional premium, Your Policy can be extended to cover an agreed payment per day for an agreed duration (Endorsement 112: Compensation for Assessed Repair Time (CART)).
(iii) Depreciation
The loss of value of Your Car due to the damage sustained or the time taken to repair the Car, and / or for any loss or damage that results over a prolonged period of time due to wear and tear, rust and corrosion.
(iv) Breakdown or Malfunction of Parts
Any mechanical, electrical or electronic breakdown, equipment or computer malfunction, or any other failure or breakdown to Your Car.
(v) Damage to Tyre(s)
Any damage to the tyre(s) of Your Car unless other parts of Your Car are also damaged at the same time.
(vi) Convulsions of Nature
Any loss or damage to Your Car caused by flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil / earth or other convulsions of nature.
For an additional premium, Your Policy can be extended with a Top-Up Full Cover Convulsions of Nature (Endorsement A009: Top Up for Full Convulsion of Nature Cover, Page 25.)
(vii) Excess
The amount of Excess stated in the Schedule. This is the first amount that You have to bear in respect of each and every claim under the Policy. Excess is divided into Voluntary and Compulsory.
(viii) Loss of Electronic Data
Loss of electronic data and any consequences arising from it, directly or indirectly caused by or in connection with a computer virus. This includes loss of use, reduced functionality, or any other associated loss or expense in connection with the electronic data
(ix) Cheating or Criminal Breach of Trust
Any loss or damage, including theft, caused by or attributed to the act of Cheating or Criminal Breach of Trust by any person.
2. Basis of Settlement
This section explains how We will settle Your claim once We accept that it is payable under Section A. If Your Car is damaged as a result of any Incident, We have the option of doing the following:
(a) If Your Car is Repairable
If in Our opinion Your Car is economical to repair, We have the option to:
• arrange for Your Car to be repaired at Our approved Repairer and pay the cost of repairing Your Car to the condition which is as near as possible to the condition it was in before the loss happened;
For repairs We will provide a Repairs Warranty against defects on both new parts replaced and workmanship carried out by Our Panel of Repairers. This warranty is for a duration of 12 months which will commence immediately upon delivery of the repairs. This warranty will cease upon the expiry of the 12 months period or immediately within the 12 months period if:
(1) any alteration is done on the said new parts without referring to Our Panel of Repairers; or (2) the vehicle is sold; or
(3) the Policy has lapsed or not renewed with Us;
whichever occurs first.
• pay You in cash the amount We estimate it would cost to repair Your Car; or
• reinstate or replace Your Car with one of the same make, model, age and general condition.
(b) If Your Car is not Repairable
If in Our opinion, the damage to Your Car is so great that it would not be safe or economical to repair, We will declare Your Car “Beyond Economic Repair” (“BER”) and We will pay You up to the maximum amount as stated in (d) below or offer You a settlement sum equivalent to the Market Value. We may also opt to replace Your Car with one of the same make, model, age and general condition. If We take any of these actions, this Policy shall be automatically terminated once We make payment.
In cases where the valuation of the franchise-holder vary from Market Value by more than 10%, We would also have the option to offer a settlement value which is equal to the cost of purchasing a replacement Car of the same make, model and age of the Car at the time of loss. It is Our option to offer You a replacement of the Car, should You not agree with the offer.
(c) Replacement Parts
If the spare parts or Accessories required to repair Your Car are not available in Malaysia, or if We choose to pay for the loss or damage in cash, We will settle Your claim on the following basis:
• the last known parts price list issued in Malaysia by the manufacturer or their agent. If the price list in Malaysia does not exist, We will use the price at the manufacturer’s production plant and include reasonable cost of transportation to Malaysia (but not the cost of air freight); and
• the reasonable labour cost of fitting such spare parts or Accessories in Malaysia.
(d) The Maximum Amount We Will Pay You
If Your Car is BER or stolen and not recovered, the amount payable under the Policy will be the Market Value at the time of the loss or the Sum Insured as shown in the Schedule, whichever sum is the lesser. Upon Our payment of the said amount, this Policy shall be automatically terminated. The Market Value is to be determined according to clauses 14 and 15 of Section F.
(e) Under-Insurance
If the Sum Insured of Your Car is less than the Market Value at the time of the loss, We will only bear part of the loss in proportion to the difference between the Market Value and the Sum Insured as shown in the formula below:
Sum Insured
Market Value x Assessed Loss
The balance has to be borne by You. However, this will only apply if the under-insured amount is more than 10% of the Market Value.
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(f) Betterment
If new original parts are used to repair Your Car and as a result of which Your Car is in a better condition than it was before the damage, You would be required to contribute to its betterment, a proportion of the costs of such new original parts. Your contribution would be according to the following scale:
Age of Your Car (Years) Rate of Betterment
less than 5 0
5 15%
6 20%
7 25%
8 30%
9 35%
10 and above 40%
To determine the rate of betterment to be applied, the age of Your Car will be calculated based on when it was originally registered in Malaysia:
(a) as a locally assembled Car Date of Original Registration (b) as a new imported Completely Built Unit (CBU) Car Year of Manufacture (c) as an imported second-hand / used / reconditioned
Car Year of Manufacture
(g) Compulsory Excess
In addition to the Voluntary Excess shown in the Schedule, We have the right to deduct an additional RM1,000 as Compulsory Excess if at the time of the Incident, You or the person driving Your Car with Your consent:
• is under 26 years old; or
• holds a Provisional (P) or Learner (L) driver’s licence.
We will not deduct this additional RM1,000 Compulsory Excess if the loss or damage is caused solely by fire, explosion, lightning, burglary, housebreaking, theft, or where this relates to third party property damage or bodily injury claims.
(please see page 9 for explanation) 3. Towing Costs
If Your Car cannot be driven as a result of any damage to it that is covered by this Policy or in the event of a breakdown as provided in Your Rakan Auto programme, We will pay up to a maximum of RM300 for the necessary and reasonable costs to remove Your Car to the nearest approved Repairer or to a safe place of storage while awaiting repair or disposal. Cost of parts, toll charges and levy fee charged by Customs for cross border towing are excluded.
SECTION B: LIABILITY TO THIRD PARTIES
This section explains what is covered and not covered under Section B.
1. (a) What is Covered?
We will indemnify You and / or Your Authorised Driver for the amount which You and / or Your Authorised Driver are legally liable to pay any third party (including third party’s costs and expenses) for:
(i) death or bodily injury to any person except those specifically excluded under this Policy; and / or (ii) damage to property except those specifically excluded under this Policy
as a result of an Incident arising out of the use of Your Car on a Road. This cover is extended to Your Authorised Driver provided Your Authorised Driver also complies with all the terms and conditions of this Policy.
(b) What is Not Covered?
These exceptions are specific to Section B and are in addition to the Exceptions stated in Section D of this Policy and any other applicable Endorsements. We will not pay for:
(i) death or bodily injury to any passenger being carried for hire or reward;
(ii) death or bodily injury to any person where such death or injury arises out of and in the course of the employment of such person by You or by Your Authorised Driver;
Under the Road Transport Act 1987, this Policy shall not be required to cover, except in the case of a motor vehicle in which passengers are carried for hire or reward or by reason of or in pursuance of a contract of employment, liability in respect of death of or bodily injury to persons being carried in or upon or entering or getting onto or alighting from the motor vehicle at the time of the occurrence of the event out of which the claims arise.
In the course of employment – Any person who is injured / dies (whether as passenger or otherwise) while on the job and is in or on the said Car as part of his / her employment e.g. Car wash worker, mechanic etc.
(iii) damage to property belonging to or in the custody of or control of or held in trust by You or Your Authorised Driver and / or any member of Your or Your Authorised Driver’s Household;
(iv) liability to any person being carried in or upon or entering or getting onto or alighting from Your Car unless he / she is required to be carried in or on Your Car by reason of or in pursuance of his / her contract of employment with You or Your Authorised Driver and / or his / her employer;
In pursuance of the contract of employment – The passenger is required to be carried to a destination in order to carry out the job as spelt out in his / her contract of employment.
Liability to passengers other than:
(a) passengers carried for hire or reward;
(b) employees in the course of employment; or
(c) Your or Your Authorised Driver’s Household member unless he / she is required to be carried in Your Car by reason of or in pursuance to a contract of employment;
may be insured separately for additional premium under Endorsement 100. If You have insured such liability, You will need to refer to the full text of Endorsement 100: Legal Liability to Passengers as to what this Endorsement covers or excludes and the applicable conditions.
(v) liability caused by a passenger travelling in or alighting from Your Car;
